There seems to be a lot of doom and gloom in the air these days and it's not hard to understand why. While I admit to sometimes playing the role of Negative Nelly myself, the truth is that all that negativity unfairly and inaccurately distorts our perception of reality.

In business as in life it’s important to cover your backside. More important and higher minded though is covering your bases. If you engage in risky behavior, it’s a good idea to insulate yourself from potential fallout; it’s even better to take steps to reduce or even eliminate the potential for fallout.